the thing about taking a large car loan is that it is almost universally a bad idea. I traded a WRX that i suspected was going to give me problems, got fully $2k over blue book, thru a weird twist also got $1200 extra from a body shop that was paid to fix some damage that hadn’t gotten done yet, bought when used cars were expensive and new was cheap but right before rates went up, and i still think it was probably a poor choice to buy a (very reasonably priced) new car.